About Brandon Roberts

Brandon Roberts has been a member since April 19th 2012, and has created 302 posts from scratch.

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IPB 048: When a Modified Endowment Contract Makes Sense



Most people think that creating a Modified Endowment Contract (MEC) is a bad thing. We discussed that at some length in last week’s episode.

That’s mainly because the tax advantages of using life insurance are pretty widely known and discussed my agents…ourselves included. So, why in the world would anyone want to intentionally make the cash value taxable by using a MEC?

Good question. Losing the tax benefits can be a negative thing…especially if creating a MEC was not your intention. Read More…

IPB 047: The Modified Endowment Contract




Note: The podcast is fresh and new but the written post below is a re-post of information that Brandon wrote a few years back on modified endowment contracts:

Anyone who has looked into cash value life insurance has probably come across the term Modified Endowment Contract (MEC). Those with flexible premium policies may have noticed a portion of their statements that stipulate whether or not the contract is a Modified Endowment Contract.

You may have even seen numbers indicating the amount of money that can go into a policy before it turns into an MEC. What does it mean, and why do we care? We’ll explain that and more today as we cover MECs in their entirety. Read More…

IPB 046: Life Insurance Has Never Caused a Financial Meltdown



In light of the recent developments with Wells Fargo opening accounts for people without consent and their CEO, John Stumpf, being skewered by Senator Elizabeth Warren…

We decided it would be a great day to point out how many times a life insurance company CEO has been trotted out to testify in front of Senate or House investigative panel.

Do you remember how many life insurance companies made big news for causing or playing a role in the last financial crisis?

Let me skip the suspense…zero.

In fact, the United States Governmental Accountability Office (GAO) published a report in 2013 titled, Insurance Markets: Impacts of and Regulatory Response to the 2007-2009 Financial Crisis

If you’d like to read it I’ve linked to the pdf here:

GAO Report of Insurance Markets–http://www.gao.gov/assets/660/655612.pdf

To get our take on why the life insurance industry in particular hasn’t had these problems, go listen to the full episode.


P.S.  I know some of you are thinking…”but what about AIG?” Listen to the episode to hear the truth about the role AIG played in the last financial crisis. 

IPB 045: Can We Just Leave Dave Ramsey Alone?


We’re drawing a line in the sand here.

It’s time for insurance agents to get over Dave Ramsey. He has his crowd, his fans, his followers or whatever you want to call them. And that’s okay…get over it.


How many articles can you write about one guy who hasn’t really said anything different in the last 15 years? Read More…

IPB 044: It’s All About the Taxes



In exploring what we should talk about in episode 44, we realized that we’ve somehow gone almost an entire year without dedicating an episode to a discussion of taxes in relation to life insurance. Oops!

Sometimes we get caught up in focusing on finer points and miss the big picture. But we are correcting that today.

We’ve actually published quite a bit of information on the topic over the last 5 years and for those of you who prefer the written word…carry on. You’ll be please with what you find in the proceeding paragraphs. Read More…


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